I sent the SAR on the 17th July to which they did not respond within 40 days. I then sent another letter in which i used the information on this site to prompt them to send out the statements - the threat to complain to the Information Commissioner seemed to stir them into action. Apologies for getting my info mixed up....

Help needed, The royal bank of scotland, is my local, friendly bank who seem quiet happy to mess me around! It was only when i sent a copy of the complaints letter from this site that they deemed it fit to send me my statements - even though they had cashed my cheque 2 months prior to me receiving my information. The statements were accompanied by a letter that was clearly stating that i had signed a contract that agreed to charges - they seem to have pre-empted my request for my money back. This im afraid to say has put me on the back foot and i feel that i need some might behind me to take it to the next stage - can you give me some advice please....